You're invited to try out the new version of Value Research Online. Click here to begin:

Star Netplus

Objective This is a special policy intended to facilitate better care of HIV positive  people at critical stage of the disease.
Suited for This policy is suitable for HIV patients.
What does it do? The policy will have to be proposed by government agencies, NGOs, or registered societies serving the cause of persons infected with HIV. The benefits, when payable, will be paid to the insured person. Insured member can make a claim if CD4 count is less than medically prescribed limit for the first time and continues to be so for next 60 days. To put it more clearly, once the clinical examination confirms that the member is suffering from AIDS, claim can be made. It also offers to extend the cover to include hospitalisation expenses under the policy.
Pros There is no age limit for applicants. Additional option to cover hospitalisation expenses is worthy.
Our View This policy is recommended. Treatments for the fatal disease require hefty amount, however, the amount paid by this policy will not sufficient. It can only contribute to the total sum required.